Pt Bank Smbc Indonesia Tbk · IDX:BTPN
Pt Bank Smbc Indonesia Tbk — Bank BTPN — 1H 2024 Earnings Presentation
54 slides from Pt Bank Smbc Indonesia Tbk's earnings presentation, Sep 9, 2024
Slide 1: 1H 2024 Results Update
bank prrwews A MEMBER OF ES SMBC Group
Slide 2: About Bank BTPN
About Bank BTPN Bank BTPN Business Activities Banking Industry Overview 1H 2024 Financial Performance CSR & Awards
Slide 3: Bank BTPN Profile (Consolidated)
Bank BTPN Profile (Consolidated) as of 30 June 2024 Company Overview 32 Provinces & 200 Cities Total Aset IDR 235.8 Trillion • Fitch Ratings: ‘AAA(idn)’; Stable Outlook Corporate Ratings • Pefindo: ‘idAAA’; Stable Outlook • BTPN: 248 Extensive Network * According to POJK number 12/POJK.03/2021 regar
Slide 4: Shareholders
Shareholders as of 30 June 2024 Bank BTPN Shareholders Percentages Number of Shares Nominal (in IDR million) Sumitomo Mitsui Banking 91.05% 9,692,826,975 193,857 Corporation PT Bank Central Asia Tbk * 1.03% 109,742,058 2,195 PT Bank Negara Indonesia 0.11% 12,007,137 240 (Persero) Tbk ** Public 7.81%
Slide 5: Board of Directors
Board of Directors as of 30 June 2024 Henoch Munandar Kaoru Furuya Darmadi Sutanto Dini Herdini President Director Deputy President Director Deputy President Director Compliance Director Keishi Kobata Atshusi Hino Merisa Darwis Hanna Tantani Director Director Director Director
Slide 6: Board of Commissioners
Board of Commissioners as of 30 June 2024 Chow Ying Hoong Takeshi Kimoto Ninik Herlani M. Ridhwan President Commissioner Commissioner Independent Commissioner Onny Widjanarko Edmund Tondobala Ongki Wanadjati Dana Independent Independent Commissioner Commissioner Commissioner
Slide 7: Bank BTPN's Value
Bank BTPN’s Value Customer First Proactive & Innovative Speed & Quality Integrity Synergy Always look at it from Step up and Differentiate ourselves As a professional, Collaborate as one the customers’ point relentlessly innovate through the speed and always act with team of view to provide quality
Slide 8: Goal: To become a Top-Class Full Service Financial solution provider
Goal: To become a Top-Class Full Service Financial solution provider Enhance, synergize & expand the business to provide full-banking services, capitalizing digitalization and SMBC group's capabilities Further Growth Drivers Corporate Individual SMBC G's capabilities Deepening ➢ Enhance products /se
Slide 9: BTPN Syariah Profile
BTPN Syariah Profile as of 30 June 2024
Slide 10: Bank BTPN Business Activities
About Bank BTPN Bank BTPN Business Activities Banking Industry Overview 1H 2024 Financial Performance CSR & Awards
Slide 11: Retail Banking Group
Retail Banking Retail Banking Group International Acceptance Include Retail Lending Business, Wealth Management Banking, Digital Banking Global Access and Strong online & offline Acceptability market presence with advanced payment systems Digital Value Banking Proposition Hassle Integrated personal
Slide 12: Jenius: Value Proposition and Key Features
Retail Banking Jenius: Value Proposition and Key Features A Simpler, Smarter, and Safer Way to Manage Your Life & Finance, Simply from Your Smartphone Value "Life finance solutions that help digital savvy to manage their life and Proposition finance to achieve their dreams and aspiration through inn
Slide 13: Jenius: Simple. Smart, Safe
Retail Banking Jenius: Simple. Smart, Safe Simple More than 5. million Jenius registered users • Your life finance access in one touch spread in 38 provinces across Indonesia • Manage your life finance in 3 easy steps • Saving, payment, transactions, investment connected all in one place 287k follow
Slide 14: Jenius: Registered Users continue to increase to ~5.8 million
Retail Banking Jenius: Registered Users continue to increase to ~5.8 million 338 Mn 61.4K YouTube views followers 5.2 90.2 K 287K followers followers 22.7 Mn+ installs 142 K page likes 2.7 Mn+ installs
Slide 15: Jenius: New Innovation & Update
Retail Banking Jenius: New Innovation & Update 24 Hour Foreign Currency Exchange New Interest Rate for Flexi Saver The flexible savings account where you can top up and withdraw anytime you need is now with new interest rate. You can reach interest rate tier up to 5% p.a. by saving more! New Redempt
Slide 16: Jenius: Marketing Campaign - Travel
Retail Banking Jenius: Marketing Campaign TRAVEL CAMPAIGN - MID YEAR Jenius launched a Travel Campaign to welcome the mid-year holidays and wants to continue to strengthen the image that Jenius is the best travel companion for local and international destinations. Through this campaign, Jenius wants
Slide 17: Jenius: Marketing Campaign - Co.Create On
Retail Banking Jenius: Marketing Campaign The New Concept of Co.Create Event: Co.Create On We also embody the spirit of Think Unthinkable in a new concept of Co.Create event namely Date: 31 Mei 2024 Co.Create On. The spirit of Think Unthinkable is Time: 19.30 – 23.00 WIB manifested starting from the
Slide 18: Jenius: Money Language
Retail Banking Jenius: Money Language Money Language is an educational talk in a form of a video-podcast that focused on unraveling how individuals perceive, manage, spend, and treat money, with the aim of understanding how their financial behavior reflects on their way of life and provides insights
Slide 19: Wealth Management: Digital Wealth Campaign in Jenius
Retail Banking Wealth Management Business: Digital Wealth Campaign in Jenius Program Cashback Ramadhan (Mutual Fund) Travel Campaign Sekoci (Digital Bancassurance) 21 Mar – 30 Apr 2024 20 Jun 2024
Slide 20: Wealth Management: Sinaya Prioritas Privileges
Retail Banking Wealth Management Business: Sinaya Prioritas Privileges Sinaya Prioritas Privilege: Free Visa Transaction Fee in Overseas ATM Withdrawal 22 Jun 2024
Slide 21: Wealth Management: Launched New Bonds Product
Retail Banking Wealth Management Business: Launched New Bonds Product – 6 May 2024
Slide 22: Business Banking: Business Model, UVP, Target Market
Business Banking Business Model UVP Target Market FINANCIAL SOLUTION ACCESS TO MARKET Simple – flexible – fast Open access to the financial services: market: Access to • Loan products Financial marketing and • Supply Chain (PRK, PB, Solution business network SMEs (under Individual Financing untuk PA
Slide 23: Business Banking: Supply Chain Business Trends Event
Business Banking Date : 4 June 2024 Topic : Business Trends in the Supply Chain Industry Participant : 60 entrepreneur Place : BTPN Tower Speaker : Ibu Dewi Ekha Harlasyanti The founder of the UKM Exporter Indonesia and Womenpreneur communities provides motivation and knowledge about export and impo
Slide 24: Complete Features for Easy Company Management
Business Banking Complete Features for Easy Company Management A Simple Touch For Your Business Multi-Layer Transaction Set Limits According to Needs Transaction approval flow that can Ease of setting daily transaction limits up to be adjusted according to the 10 Billion online Company's function an
Slide 25: Corporate Banking: UVP, Products and Services
Corporate Banking Corporate/Wholesale Banking Group includes Corporate/Wholesale Banking, Commercial Banking, Transactional Banking, Supply Chain Financing and Wholesale Funding UVP Products and Services Hedging Products (*): Funding Products: Loan Products: • IRS/CCS • Bilateral and Syndication Loa
Slide 26: Empowerment Programs for Customers
Corporate Banking CBD & Daya Empowerment Programs for Customers CBD Japanese and DAYA Initiatives: • Seminar and Webinar Program Focus to business, healthy lifestyle, self-development, and finance. • Joint Efforts in Q2 2024: 3 Empowerment Mini Seminars for Japanese corporate customers. Event Detail
Slide 27: Wholesale Banking Group – Collaboration with Daya
Corporate Banking Wholesale Banking Group – Collaboration with Daya The Wholesale Banking Group and DAYA initiated an empowerment program for its customers by providing them with an opportunity to grow and have a more meaningful life through webinars or offline events with topics ranging from busine
Slide 28: Wholesale Banking Group: 2024 Conference and 2023 Awards
Corporate Banking Wholesale Banking Group 2024 Conference APLMA Indonesia Loan Market Conference (2024) WBG Syndications & ESG Solutions Head Bank BTPN join as speaker in APLMA Indonesia Loan Market Conference on 27 June 2024 at the Four Seasons Jakarta. This year’s theme is ‘Financing the Future of
Slide 29: Achievement in Supporting Sustainable Business Activities in Indonesia
Bank BTPN’s Achievement in Supporting Sustainable Business Activities in Indonesia Bank BTPN as Lead Arranger Refinancing Facility UPC Sidrap ▪ Bank BTPN provided social loan for a Non-Bank Financial Institution that focuses on 2020 Wind Energy (First Wind Power Plant in Indonesia) in total socioeco
Slide 30: Wholesale Banking Group – New Service
Corporate Banking Wholesale Banking Group – New Service Bank BTPN officially becomes custodian bank after obtaining approval from Financial Services Authority (OJK) KEP-31/PM.02/2024. As a custodian bank, Bank BTPN provides the custody services for Institutional and Individual Investor, both local a
Slide 31: OTO – SOF Events Highlight
OTO – SOF Events Highlight Embracing Health, Social, and Economic Pillars As we look back on the first semester of the year, OTO-SOF proudly reflects on a series of impactful events centered around our three core pillars: Health, Social, and Economy. These initiatives have not only fostered a sense
Slide 32: Health
Health Fostering Wellness Through Sports Activities At OTO-SOF, we recognize that the well-being of our employees is the utmost importance. To promote a healthier lifestyle, we organized a variety of sports from monthly Car Free Day session, weekly fitness classes, yoga session even to team sports t
Slide 33: Social
Social Strengthen Corporate Responsibilities Our dedication to social responsibilities was prominently showcased during the annual OTO Group Blood Donations and monthly Financial Literacy on Social Medias. These event was a celebration of kindness and lifelong learning spirit. At first edition of Bl
Slide 34: Economy
Economy Supporting Local Businesses and Small Medium Sized Enterprises OTO-SOF is also deeply committed to contributing to the local economy. Throughout the semester, we partnered with numerous small and medium-sized enterprises (UMKM) to support their growth and development. These collaborations in
Slide 35: Banking Industry Overview
About Bank BTPN Bank BTPN Business Activities Banking Industry Overview 1H 2024 Financial Performance CSR & Awards
Slide 36: Banking Industry
Banking Industry Loan outstanding increased by 12.4% YoY in Jun’24. Customer Deposits in Jun’24 recorded growth of 8.5% YoY Indonesia Banking Industry Financial Summary Loan and Deposit YoY growth Loan Deposit IDR trillion Jun'23 Dec'23 Jun'24 ∆YoY 12.4% 11.4% Total Assets 11,052 11,766 12,048 9.0%
Slide 37: 1H 2024 Financial Performance
About Bank BTPN Bank BTPN Business Activities Banking Industry Overview 1H 2024 Financial Performance CSR & Awards
Slide 38: 1H 2024 Key Highlights
Financial Performance 1H 2024 Key Highlights ➢ Bank BTPN showed double digit loan growth in Retail and SME segments, overall loan grew by 5% (yoy) to IDR 143.0 trillion. ➢ Third Party Funds increased by 14% (yoy), CASA ratio increased to 42% (vs. 36% in Jun’24). Higher for longer interest rates push
Slide 39: Financial Performance - Consolidated
Financial Performance - Consolidated Jun'23 Dec'23 Mar'24 Jun'24 Balance Sheet (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) Liquid Assets 34,055 35,487 41,746 47,766 14% 40% Loans (gross) 148,714 156,561 186,562 176,245 -6% 19% Total Assets 193,105 201,448 239,842 235,830 -2
Slide 40: Financial Performance - Consolidated
Financial Performance - Consolidated Income Statement (IDR billion) 1H'23 1Q'24 2Q'24 1H'24 ∆QoQ ∆YoY Net Interest Income 5,955 3,017 3,935 6,952 30% 17% Other Operating Income 1,004 457 787 1,244 72% 24% Operating Income 6,958 3,474 4,722 8,196 36% 18% Operating Expense (3,638) (2,052) (2,526) (4,5
Slide 41: Financial Performance - Consolidated
Financial Performance - Consolidated Jun'23 Dec'23 Mar'24 Jun'24 Ratios (%) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) NIM 6.33 6.45 6.27 6.41 (0.18) 0.06 NSFR 123.99 113.79 115.72 115.61 1.94 (10.93) LCR 223.31 199.68 233.64 234.91 33.96 (7.01) Loan to Funding 101.64 102.00 104.89 101.
Slide 42: Deposits Growth
Deposits Growth CUSTOMER DEPOSITS COMPOSITION Customer Deposits Jun'23 Dec'23 Jun'24 ∆YoY IDR trillion (IDR billion) (Unaudited) (Audited) (Unaudited) 40.8% 40.4% CASA 37,366 44,188 48,116 29% CASA 34.8% Current Account 23,127 26,629 29,871 29% Ratio Savings 14,239 17,559 18,245 28% 119.0 107.3 Time
Slide 43: Loan Growth by Segment
Loan Growth by Segment Jun'23 Dec'23 Mar'24 Jun'24 Loan Growth (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) Total Loan 148,714 156,561 186,562 176,245 -6% 19% Transforming Businesses: 23,946 23,709 23,870 23,793 0% -1% - Retail Lending 23,011 22,403 22,394 22,185 -1% -4% - M
Slide 44: Asset Quality - Consolidated
Asset Quality - Consolidated Asset Quality Gross NPL Composition by Segment IDR trillion 2.06 2.20 2.10 3.37 3.87 % Jun-23 Dec-23 Jun-24 8% 2% 3% 3% 4% 16% 16% 18% Gross NPL 1.39 1.36 2.21 38% 42% 34% 31% Net NPL 0.45 0.40 0.92 32% 10% 1% 2% 8% Gross Cost of Credit 1.56 2.02 2.09 0.8% 8% 8% 8% 19% 1
Slide 45: CSR & Awards
About Bank BTPN Bank BTPN Business Activities Banking Industry Overview 1H 2024 Financial Performance CSR & Awards
Slide 46: Daya
The embodiment of Bank BTPN's commitment to continuously improve the Daya capacity of its customers by providing opportunities for growth and a more meaningful life. Customer Segment Program Pillars Financial Self-Capacity Literacy Development High net-worth Large Corporation Financial Management Se
Slide 47: Sustainable Finance
Sustainable Finance Bank BTPN has This financing supports the Sustainable Development Goals: succeeded in increasing its environmentally friendly financing Sustainable portfolio Development Goals (SDGs) Number 1 Number 2 Number 6 Number 7 Number 8 Number 10 Number 11 Number 12 Number 13 It is a glob
Slide 48: 2024 Awards
2024 Awards 7th Infobank Satisfaction, Loyalty, and Engagement 2024 Jenius from Bank BTPN has received the “7th Infobank Satisfaction, Loyalty, and Engagement 2024” awards from Infobank Magazine. This event was held to appreciate banks with the best service in maintaining trust, emotional attachment
Slide 49: 2024 Awards
2024 Awards The Asset Triple A Awards 500 Most Outstanding Women 2024 Bank BTPN has received awards in the “The Asset Triple A Sustainable Finance The April 2024 edition of Infobank Magazine features the “500 Most Outstanding Awards 2024” from The Asset, a prestigious financial industry publication
Slide 50: 2024 Awards
2024 Awards Bank Service Excellence Monitor 2024 13th Infobank Digital Brand Awards The May 2024 edition of Infobank Magazine features the “Bank Service Excellence Bank BTPN has received awards at the annual “13th Infobank Digital Brand Monitor 2024” survey. Awards 2024” event organized by Infobank
Slide 51: 2024 Awards
2024 Awards HR Asia Best Companies to Work for in Asia 2024 Bank BTPN has received the “HR Asia Best Companies to Work for in Asia 2024” award for the fourth time. The award is dedicated to the companies with the best performance in the field of human resources in Asia. This is reflected in the high
Slide 52: 2024 Awards
2024 Awards Bisnis Indonesia Corporate Social Responsibility Award 2024 Bank BTPN has received a Gold Champion award in the “Bisnis Indonesia Corporate Social Responsibility Award (BISRA) 2024”. The award is dedicated to the companies with the best Corporate Social Responsibility (CSR) programs that
Slide 53: 2024 Awards
2024 Awards ASABRI Payment Partner Awards 2024 Bank BTPN has obtained the Payment Partner Awards from PT ASABRI (Persero). The event is designed to appreciate ASABRI's payment partners for their cooperation and good performance throughout 2023. Bank BTPN has been collaborating with ASABRI since 2011
Slide 54: Thank you
bank , Thank you btprt seese